What is the 13F Pro Quality Score for SFST?

13F Pro ranks SOUTHERN FIRST BANCSHARES INC (SFST) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View SFST's current score at https://13fpro.ai/research/SFST (free sign-up required for the full ranking).

Which hedge funds own the most SFST stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of SFST include FJ Capital Management, BlackRock,, ENDEAVOUR CAPITAL ADVISORS. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/SFST as soon as new 13F filings post.

Where does 13F Pro source SFST data?

All SOUTHERN FIRST BANCSHARES INC fundamentals and ownership data come directly from SEC EDGAR. SOUTHERN FIRST BANCSHARES INC files with the SEC under CIK 1090009. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is SFST in?

SOUTHERN FIRST BANCSHARES INC (SFST) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is SFST research updated on 13F Pro?

SFST's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

SOUTHERN FIRST BANCSHARES INC(SFST)Stock Analysis

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13F Pro Quality Score

61.8/100

Rank #784 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

79.7/100

Profitability

98.4/100

Balance Sheet

40.7/100

Earnings Quality

87.3/100

Free Cash Flow

98.5/100

Institutional Flow

5.2/100

Revenue Scale

2.5/100

Dilution Risk

5.6/100

SFST Stock Analysis & AI Quality Score

AI stock analysis and institutional research for SOUTHERN FIRST BANCSHARES INC (SFST), a Financials sector company. 13F Pro's AI-powered ranking engine scores SFST at 61.8/100 on a 32-signal composite quality model, placing it at rank #784 of 2,879 stocks — the top half of the AI-ranked universe. SFST scores in the top quartile across free cash flow (98.5), profitability (98.4), earnings quality (87.3). Areas of concern include revenue scale (2.5) and institutional flow (5.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 5.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), SOUTHERN FIRST BANCSHARES INC reports quarterly revenue of $33.8M, net income of $9.9M, an operating margin of 36.9%. Top institutional holders of SFST by reported 13-F value include FJ Capital Management, BlackRock,, ENDEAVOUR CAPITAL ADVISORS, based on the most recent SEC filings. SFST trades on the Nasdaq exchange and files with the SEC under CIK 1090009. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate SFST daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for SOUTHERN FIRST BANCSHARES INC directly from SEC EDGAR. SOUTHERN FIRST BANCSHARES INC's 13F Pro composite quality score has ranged between 8 and 65 since 2026, currently 61.8 — an improving long-term trajectory across 36 quarterly and live scoring snapshots.

✦

Fun facts about SOUTHERN FIRST BANCSHARES INC

Quirks, history, and lore behind SFST — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. community bank holding company · small-cap · listed on Nasdaq · headquartered in South Carolina.
2
The Numbers
Total assets in the range of roughly $2 billion, serving a customer base built almost entirely on commercial and private banking relationships — not mass retail.
3
The History
Founded in the late 1990s, it grew steadily by planting banking offices across the Carolinas and Georgia, one relationship at a time.
4
The Secret
Its business model leans heavily on private banking for professionals and entrepreneurs — think doctors, lawyers, and business owners who want a banker who actually picks up the phone.
5
The Lore
Despite its modest size, it has expanded beyond its Upstate South Carolina roots into major metro markets, punching well above its weight for a community institution.
6
The Giveaway
Its name literally tells you everything: it's a bancshares company built for the American South, and it proudly puts the word "First" right in the middle.

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Revenue

Q1 2026

$33.8M

Net Income

Q1 2026

$9.9M

Free Cash Flow

Q1 2026

$10.5M

Operating Margin

Q1 2026

36.9%

ROIC

Q1 2026

3.3%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+13.0% YoY

$6.3MFY 2025

FY21 $11.4MFY23 $4.0MFY24 $5.6MFY25 $6.3M

Net Income

+95.5% YoY

$30.4MFY 2025

FY21 $46.7MFY23 $13.4MFY24 $15.5MFY25 $30.4M

EPS (Diluted)

+94.8% YoY

$3.72FY 2025

FY21 $5.85FY23 $1.66FY24 $1.91FY25 $3.72

Total Assets

+7.7% YoY

$4.40BFY 2025

FY21 $2.93BFY23 $4.06BFY24 $4.09BFY25 $4.40B

Op. Cash Flow

+19.2% YoY

$30.5MFY 2025

FY21 $78.1MFY23 $17.7MFY24 $25.6MFY25 $30.5M

Metric	FY 2025	FY 2024	FY 2023	FY 2021	FY 2020	FY 2018
Revenue	$6.3M +13.0%	$5.6M +37.8%	$4.0M -64.5%	$11.4M -42.5%	$19.8M +256.9%	$5.5M
Net Income	$30.4M +95.5%	$15.5M +15.7%	$13.4M -71.3%	$46.7M +154.9%	$18.3M -17.8%	$22.3M
EPS (Diluted)	$3.72 +94.8%	$1.91 +15.1%	$1.66 -71.6%	$5.85 +150.0%	$2.34 -18.8%	$2.88
Total Assets	$4.40B +7.7%	$4.09B +0.8%	$4.06B +38.6%	$2.93B +17.8%	$2.48B +30.6%	$1.90B
Operating Cash Flow	$30.5M +19.2%	$25.6M +44.8%	$17.7M -77.4%	$78.1M +278.6%	$20.6M -35.0%	$31.7M

AI Insight: SFST Ratio Trends

Southern First Bancshares delivered robust profitability expansion with ROE more than doubling from 3.8% to 10.4% over two years.

• ROE surged from 3.8% in Q2 2024 to 10.4% in Q1 2026, demonstrating strong earnings momentum.

• ROIC expanded from 4.9% in Q2 2024 to 13.2% in Q1 2026, indicating improving capital efficiency.

• ROA increased from 0.3% in Q2 2024 to 0.9% in Q1 2026, showing better asset utilization.

⚠ ROE declined from peak 10.7% in Q4 2025 to 10.4% in Q1 2026, ending six quarters of gains.

⚠ ROIC dipped from 13.9% in Q4 2025 to 13.2% in Q1 2026 after strong consecutive improvements.

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Available Research

13F Pro tracks comprehensive data for SOUTHERN FIRST BANCSHARES INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of SFST

FJ Capital Management LLC
$44.0M807,223 sh
BlackRock, Inc.
$38.8M712,410 sh
ENDEAVOUR CAPITAL ADVISORS INC
$33.1M607,405 sh
DIMENSIONAL FUND ADVISORS LP
$20.7M380,368 sh
VANGUARD CAPITAL MANAGEMENT LLC
$18.8M344,885 sh
AMERIPRISE FINANCIAL INC
$14.8M271,243 sh
rhino investment partners, Inc
$11.5M210,121 sh
GEODE CAPITAL MANAGEMENT, LLC
$9.8M180,231 sh
BANC FUNDS CO LLC
$9.4M171,655 sh
STATE STREET CORP
$9.2M167,963 sh

Fund	Value	Shares
FJ Capital Management LLC	$44.0M	807,223
BlackRock, Inc.	$38.8M	712,410
ENDEAVOUR CAPITAL ADVISORS INC	$33.1M	607,405
DIMENSIONAL FUND ADVISORS LP	$20.7M	380,368
VANGUARD CAPITAL MANAGEMENT LLC	$18.8M	344,885
AMERIPRISE FINANCIAL INC	$14.8M	271,243
rhino investment partners, Inc	$11.5M	210,121
GEODE CAPITAL MANAGEMENT, LLC	$9.8M	180,231
BANC FUNDS CO LLC	$9.4M	171,655
STATE STREET CORP	$9.2M	167,963

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Is SFST a good stock to buy?

13F Pro's AI-powered analysis of SOUTHERN FIRST BANCSHARES INC (SFST) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for SFST are available on the SFST stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own SFST?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling SFST. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of SOUTHERN FIRST BANCSHARES INC's investment landscape.